Your mortgage questions answered

Unlock the door to your dream home with expert mortgage advice from the team at John Charcol. With nearly half a century of experience in the mortgage industry, we are well-equipped to demystify the home-buying process, helping you secure the best mortgage deal and smoothly navigate the property market.

Whether you're a first-time buyer, upgrading your home, or exploring refinancing options, we have the insights and expertise to guide you every step of the way. Don't leave your mortgage to chance - empower yourself with our comprehensive mortgage guides that break down the different types of mortgages in simple terms.

For those seeking more personalised advice, or help in complex situations, our Ask the Mortgage Experts section is a great starting point. Here, you can browse through enquiries from real people, get answers from our advisers and even submit your own questions to our team of independent mortgage experts.

Get the answers you need and start your journey to homeownership with confidence today!

Is it difficult to split the freehold title?

I have an investment property that was purchased as a shop with...

Can my ex remortgage without my consent?

My hubby andi have separated. I still live I moir home with our...

Taking over Parents Mortgage

My Mother & Father are going through a divorce. Due to the poor...

Homes for Dependent Relatives

I want to buy my elderly parents a house nearer to the family....

I want to buy a larger property in my name only, is my partners income considered?

I want to buy a larger property in my name only, is my partners...

I'm about to get divorced. Can I get a mortgage using the maintenance payments?

My husband and I are about to separate. We will be selling our...

Will my ex-wife have any claim on my new home?

My wife and I seperated in October and later on in 2013 I'm...

Can I get a second charge on a property with equity release?

As an existing equity release lifetime mortgagee currently with...

Can I get a new joint mortgage even though I'm still on the joint one with my ex wife?

I am now divorced and have a child with my ex wife. She now lives...

Can I buy my house that is currently owned by a landlord?

I have been living in my landlords house now for about 4 years...

Discounted Purchase Price

Hi. My wife and I have been renting the house we live in for the...

I work reduced hours, can you help me get a mortgage?

I am in the process of applying for a mortgage, and would really...

Changes to my variable rate

Currently I am coming out from fixed mortgage and now SVR applies...

Shared Ownership/Default

I will be looking for a mortgage of roughly £50,000, as I will be...

Non Simultaneous Sale and Completion

I have a house worth approx £210,000 and a mortgage with £108,000...

Can I take my brother and sister-in-law off the mortgage so I dont have to sell?

The mortgage is joint mortgage with my name, my brother and his...